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Business Credit Bureau for SMBs

Know Who You're Doing Business With

The first credit bureau built for small and mid-sized businesses — so you can extend credit with confidence and build a score that opens doors.

  • Vet anyone before you extend creditPull a full report on a customer or supplier and see how they really pay — before you're on the hook.
  • Build a transparent 0–100 scoreEarned from real trade data across four clear components. No black box, no guesswork.
  • Get warned before trouble hitsCredit Watch alerts you the moment a business you rely on starts slipping.
Get Started Free See How It Works

No credit card to start · Free business profile in about 2 minutes

Live sample
Northwind Supply Co.
EIN ••‑•••4821 · Portland, OR
Live
Aggregated Score
Low risk · pays on time
Updated in real time
Pay Risk84
Failure RiskLow
Peer Payment+9
Credit Watch: a key customer's delinquency is rising this month.
0–100
Transparent Score Scale
4
Score Components
30 Day
Dispute Resolution Target
Real-Time
Score Updates

Everything You Need to Make Confident Credit Decisions

Built for businesses that have been underserved by legacy credit bureaus.

Detailed Credit Reports

Full trade line history with month-by-month aging, principal information, and four-component scoring.

Trade References

Self-report your vendor relationships. Confirmed references boost your credit profile immediately.

Dispute Resolution

Challenge inaccurate data through a structured mediation process with a 30-day resolution target.

Data Reporting

Approved vendors can submit trade payment data via CSV upload or our REST API.

Real-Time Scores

Scores recalculate automatically whenever new trade data is posted. No waiting for monthly updates.

Team Access

Add multiple users to your business account with role-based access controls.

How It Works

Up and running in minutes.

1

Register Your Business

Create a free account and link your business. Verify your email to get started.

2

Build Your Profile

Complete your business profile and add trade references from vendors you pay on time.

3

Pull Reports

Search any business in our database and pull a full credit report to inform your decisions.

4

Monitor & Dispute

Track your own score, dispute inaccuracies, and grow your credit profile over time.

Our Four-Component Score

We believe credit scoring should be transparent. Here's exactly what goes into your score.

35%
Pay Risk Score
How promptly your business pays its obligations based on trade line aging data.
25%
Client Risk Score
Likelihood of being a problematic customer based on disputes and credit utilization.
20%
Failure Score
Probability of business failure based on delinquency severity, age, and utilization.
20%
Peer Payment Score
How your payment behavior compares to other businesses in our database.
0–100
Aggregated Score
Weighted composite of all four components. Higher is always better.

Ready to Get Started?

Join businesses already using SMBCredit.net to make smarter credit decisions.

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